Tell Your Rep That “Pay It Forward” Is Just Repackaged Student Debt

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The Education Trust promotes high academic achievement for all students at all levels—pre-kindergarten through college.

About the Pledge

Legislation is popping up in states with a crafty sales pitch promising that students can go to college for free now, and pay later for their education using a percentage of their income, over a set number of years. One of the many problems with these so-called “Pay It Forward” proposals is that they don’t address the real problem, which is that college costs are too darn high. 

Pay It Forward (PIF) proposals are generally structured so that students pay no tuition up front or while in college. But the catch is that to receive that “free” tuition students must pay back a percentage of their income (say, 4 percent) over a defined numbers of years (say, 24 years). It sounds good at first, but when you look underneath its rosy exterior there are a number of flaws, including the fact that because students pay a percentage of their income (regardless of what it costs to go to school), they may end up paying back more than their actual cost of attending college. 

Despite the shortcomings, the idea is catching on. Oregon passed a bill to study the idea of implementing PIF, and other states, including New Jersey, Pennsylvania, Ohio, and Vermont, also have seen legislation introduced to study the concept. Policy makers concerned about the rising costs of college should make sure their proposals actually address the college affordability crisis, not simply find a way to spread the costs of college out over a student’s lifetime.   

Stand with us, and tell your legislator “No!” to policies like “Pay It Forward” that shift costs onto students!

Photo Credit: Fuse/Getty Images

I pledge to stand with organizations like the Education Trust in saying “no” to policies like “Pay It Forward” that shift costs onto students.

I pledge to:

  • Educate myself about how some financial-aid policies hurt low-income students here.
  • Learn more about the concept of “Pay It Forward” here.
  • Write my representatives and stand up for policies that raise student achievement, not student debt.
  • Donate to the Education Trust and help make college more affordable for students all over the U.S.

Action Updates

  • 16 October 2015

    We did it!

    Thank you for helping us reach 2,500 supporters! We've now upped our goal to 5,000 signatures! Let's keep the momentum going to protect students from exploitive loan schemes.


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